Rates & Fees

It's important customers know upfront what something is going to cost. Below you'll find a summary of our fees and charges. We've also included some helpful tips that could help you avoid paying them altogether.

Fees and charges

	Amount	Description
Interest rate
Credit Card	Up to 21.74%	Interest rate applicable to outstanding credit card purchases.
Cash rate	Up to 29.49%	Interest rate applicable on cash advances, purchases & BPAY where biller doesn't accept credit or we have otherwise told you that will be treated as a cash advance.
Expired Promotional Purchases	29.49%	Interest rate applicable on outstanding balances that aren't subject to a promotional period.
Services
Establishment fee	$25.00 (one-off)	This is a once only fee for establishing your account. This fee is not applicable to customers converting from Buyer’s Edge or GE CreditLine.
Account servicing fee	$4.95	Charged monthly if the outstanding balance is greater than $10.
Replacement card fee	$10.00	When you or the additional cardholder request a replacement card when any card is lost, stolen or damaged.
Overdue fees
Late fee	$25.00	This fee is charged if you do not pay any amount that is due and payable (e.g. your minimum monthly payment) by the due date.
Cash fees
Cash advance fee	Greater of 3% or $3.00	The cost of withdrawing cash from your GO MasterCard.
Direct credit advance fee	Greater of 3% or $3.00 (with a maximum of $30 per transaction)	For each occasion on which you request funds to be transferred to a nominated bank account.
International fees
International cash advance fee	$4.00 in addition to Cash advance fee	The cost of withdrawing cash from your GO MasterCard outside Australia.
International cash over the counter fee	$5.00 in addition to Cash advance fee	This is charged on each occasion you obtain an over-the-counter cash advance outside Australia.
International transaction fee	3% on all purchases & cash	This is charged when you obtain funds or make a purchase outside of Australia.
Payment fees
Payment handling fee	$2.00	Charged for each payment made at Australia Post.

General tips:

• Keep track of the available credit on your credit card by using the Online Service Centre or by calling us on 1300 721 394.

• If your circumstances change, so can your credit limit. Call 1300 721 394 if you’d like to review your limit.

Avoiding late fees:

• Always ensure you've paid at least your minimum payment before the due date.

• Be aware that some payment methods, such as BPAY and personal cheques, can take between 3-5 days to process.

• If you're using direct debit, make sure there are sufficient funds in your account so that scheduled payments can be made.